Hybrid Senior Credit Analyst

at GM Financial

• Job title: Senior Credit Analyst
• Job type: Full Time
• Experience level: Senior
• Salary: Not specified
• Degree requirement: High School Diploma
• Location requirements: Hybrid, Chandler, United States

About the role

• Senior Credit Analyst evaluating credit risk for GM Financial. Analyzing credit history and collaborating with internal departments and dealers for credit approvals.

Responsibilities

• Analyze credit data to determine the degree of risk involved in extending credit
• Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
• Develop sufficient dealer relationships that ensure volume objectives and credit quality
• Capture automotive finance contracts that meet GM Financial profitability criteria for pricing and performance
• Ensure compliance with applicable policies and procedures
• Ensure branch office cooperation with other departments to maximize efficiency within the company
• Ensure all queues are worked to acceptable service levels
• Perform outbound telemarketing calls to the dealer customer
• Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis
• Ensure proper documentation is received on all deals
• Negotiate loan terms
• Communicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance

Requirements

• Knowledge of sales, credit and funding processes in consumer finance
• Knowledge of motor vehicle retail installment documentation
• Knowledge of the company’s credit policies
• Working knowledge of consumer credit, credit laws and regulations
• Knowledge of the retail automobile finance industry
• Knowledge of indirect retail auto financing
• Knowledge of State and Federal regulatory requirements
• Knowledge consumer finance and banking environment
• Strong analytical and problem solving skills
• Superior customer relations skills
• Effective communication skills including verbal, written, and presentation
• Sales skills necessary to develop and maintain productive dealer relationships
• Negotiation skills
• High School Diploma or equivalent required, Bachelor’s Degree preferred
• 2-3 years of relevant experience preferred

Benefits

• Generous benefits package available on day one to include: 401K matching
• bonding leave for new parents (12 weeks, 100% paid)
• tuition assistance
• training
• GM employee auto discount
• community service pay
• nine company holidays